How to apply for a loan
If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:
1. Basic information of the borrower and guarantor;
2, the financial department or accounting (audit) firm approved the financial report of the previous year, and the financial report before applying for a loan;
3, the original unreasonable occupation of loans to correct the situation;
4. List of collateral and pledge, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant documents that the guarantor agrees to guarantee intention;
5. Project proposal and feasibility report;
6. Other relevant materials deemed necessary by the lender.
What should I pay attention to when signing a bank loan contract?
1. Find out the products you want to borrow and the elements of each loan. For example, knowing whether you are a mortgage, car loan or commercial loan. After determining the loan variety, pay attention to distinguish the various elements. Take operating loans as an example. Please pay attention to the longest loan term, interest, maximum amount and repayment method.
2. Determine what kind of loan you want. What the bank has may not be what you want. You should know how much you want for this loan, how long you want to borrow it, how much interest you can accept, and what kind of repayment method is suitable for you. Choose between what you want and what the bank can offer.
3. Understand what the loan procedures are and what materials need to be provided. The materials required for each product are different. Find out what materials are needed for this loan.
4. Pay attention to ask as clearly as possible when providing materials. The details of the materials are exquisite, and the bank staff knows best. Prepare according to the requirements of specific operators to avoid doing useless work.
5. Pay attention to carefully read the contract after the loan is approved and before signing the contract, clarify the meaning of the terms of the contract, and communicate in time where there are objections. After the contract is signed, keep the contract data well.
6. After the loan is successful, pay attention to the repayment time of each installment and prepare for repayment in advance to avoid overdue repayment. Overdue has a very negative impact on your credit information.